When going travelling, many travelers are often quick to dismiss the need for travel insurance. Purchasing a policy is frequently viewed as an unnecessary expense, although it can save you a fortune if things go wrong while you’re abroad, from covering the cost of accidents to providing 24-hour emergency assistance. No one wants their exciting trip overseas to go awry, but it’s important to realise that something negative could happen, and in these situations it always helps to be covered by a comprehensive travel insurance policy.
Before you start your trip, make sure to do your research so you can travel smart and safely. Most travel insurance providers offer a selection of policies that allow you to choose a policy suited to your needs. For example, a policy with a sports grade will cover you for accidents and equipment related to activities like scuba diving, horse riding, and skiing, while a group policy allows coverage for groups of 15 or more people going on vacation together. It is thus important to ask yourself what kind of policy you’ll be needing so that you purchase the right kind of travel insurance that will provide coverage for the things that you’ll be doing. Don’t forget to read the fine print – however long it may be – to the policy that you purchase, so that you know what kind of coverage you will receive.
While I always use and recommend WorldNomads travel insurance, I also want to recommend you to read this extensive post that goes into much detail on what you should know to select the correct travel insurance.
Insure Your Trip
Whether you’re embarking on an trip to a foreign country or visiting cities close to home, it is strongly advised to take out a travel insurance policy before your trip. Typically, policies will cover you against incidents like trip cancellation or curtailment, medical issues, and lost or stolen possessions. Also, most policies offer 24-hour emergency assistance, should you find yourself needing help in a situation overseas. It’s easy to assume that you won’t encounter negative situations on your trip, but why take an unnecessary risk when you can travel stress-free? Don’t allow any unfortunate inconveniences to put a damper on your trip; insure that you have an exciting adventure to remember by purchasing an affordable travel insurance policy, covering you against travel mishaps.
European Health Insurance Card
If you’re a European resident travelling within the European Union, make sure you have a valid European Health Insurance Card (EHIC) with you on your trip. Although it doesn’t replace a travel insurance policy, it does mean that you can benefit from free or reduced cost state health care, the same as a resident of the European country that you’re in. An EHIC is free of charge and can be applied for online, so don’t forget to order or renew yours before you go on your trip.